Vitor Monari Silva

Questioner
DISC Type : c

Gerente de Credito e Cobrança at Banco Carrefour

São Bernardo do Campo, São Paulo, Brazil

Overview

Vitor Monari Silva is the Credit and Collections Manager at Banco Carrefour, with extensive experience in credit risk, IFRS9 modeling, and project management. His career is marked by a deep understanding of financial risk policies and process creation. He holds a degree in Information Systems from Universidade Paulista.

Vitor has demonstrated significant versatility within Banco Carrefour, progressing through specialized roles in market risk, liquidity, and MIS projects before advancing into leadership in credit and collections.

Personality Overview

Cautious & Analytical

Value Seeker

Systematic

They are more likely than others to negotiate on pricing and terms.  They prefer to analyze every situation thoroughly.
 While they don't hesitate to ask questions, they are generally risk-averse and tend to be late adopters.

Topics They Care About

Credit Risk Modeling
He is responsible for the development, implementation, and validation of statistical models for credit loss provisions under IFRS9 and Bacen standards.
Financial Regulations
His experience includes managing and adapting to regulatory requirements from the Central Bank of Brazil (Bacen) in areas like liquidity and market risk.
Banking IT Projects
He led a year-long project to replace a core collections CRM system and implemented risk segmentation initiatives within the bank.

Media Appearances

Vitor has no verified media appearances

Work History

5-2022
Gerente de Credito e Cobrança at Banco Carrefour
3-2016 - 6-2022
Coordenador de Risco de Crédito at Banco Carrefour
9-2015 - 2-2016
Especialista Risco de Liquidez, Mercado e Gestão de Capital at Banco Carrefour
2-2012 - 8-2015
Especialista MIS e Projetos em Cobrança at Banco Carrefour
6-2011 - 2-2012
Coordenador de Planejamento at Grupo Siscom

Education

2011 - 2015
Sistemas de Informação from Universidade Paulista
1-2003 - 6-2004
Ensino Técnico from ETE Lauro Gomes

More Information

Social Presence :

Prographics :

Exp : 20 Location : São Bernardo do Campo, São Paulo, Brazil Job Level : N/A Designation : Gerente de Credito e Cobrança at Banco Carrefour
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Insights For Selling To Vitor

During A Call Or A Meeting

DO's

  • Emphasize on objective proof of ROI, help them do a thorough evaluation
  • Keep some extra margin in hand as they will likely negotiate the pricing
  • Back up any claims with data and numbers

DONT's

  • Don’t overhype the product/pitch, keep it measured
  • Don’t depend too much on anecdotal evidence, it reduces their confidence
  • Avoid rushing them, be polite and patient

When Cold Calling

When Writing An Email

While Negotiating & Closing

    The secret to closing fast with Vitor is

  • Confidence that the product provides ROI, effective pricing and process adherence matter the most to them.

  • Will you ever get a clear answer from Vitor

  • It doesn’t come naturally to them but they can say no if they are not convinced.

Insights For Deal Planning

    How fast (or slow) will Vitor move?

  • They can move at a reasonable pace while making their decisions if they have the necessary information.

  • Can Vitor take some risk or not?

  • They can take risk if they are convinced that they have analyzed the circumstances well.


You And Vitor

Personality Compatibility


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